Best High-Risk Merchant Account Providers of 2025
We reviewed top processors that work with high-risk industries so you don’t have to.
We independently researched dozens of processors and only listed those who specialize in high-risk approvals, offer fair pricing, and provide actual support.
Our picks for best high-risk merchant account providers
High Wire Payments
High Wire Payments is our top choice, ranking at number one. High Wire has top-tier approvals & personalized support. Every industry welcome.
Argyle Payments
Strong for botanicals & CBD-related industries
West Town Payments
Basic approval options, slower onboarding
Greenlight
Limited customer support & high fees
What is a high-risk merchant account provider?
A high-risk merchant account provider supports businesses that traditional processors deem risky. These include companies selling regulated products, operating with high chargebacks, or working in emerging industries.
What businesses are considered high-risk?
Examples include kratom, CBD, hemp, adult content, firearms, fantasy sports, and multi-level marketing companies. These businesses face more scrutiny and are often denied by mainstream providers like PayPal and Stripe.
How to choose a high-risk merchant account provider
Look for interchange-plus pricing, chargeback mitigation tools, transparent fees, and experience with your specific industry. A strong account rep and gateway integration (like NMI or Authorize.net) are also important.
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